Abstract: Embodiments of the invention provide systems and methods for analyzing a Subscriber Identity Module (SIM) card, ascertaining multiple distally separated storable sections, and then securely storing data as an ordered list of storable sections representing a concatenated available storage on the SIM.

Abstract: Embodiments of the invention provide systems and methods for using programmatic means to verify the identity of a person. By scanning the person's documents and/or biometric data and comparing them to available government and private databases, the validity of those documents and identity of the person can be confirmed with a high confidence level. The process can assign a score to each item verified which is then computed into an overall confidence score which is available to other processes to rely on for approval of transactions. The identity is digitally combined with the credentials of the mobile phone to create a reusable identity token. Together with the confidence score, the identity token represents the verified biometric information of the person and is tied to the mobile phone.

Abstract: An improved One Time Password (iOTP) is used in a two-factor authentication mechanism to decode a username, and the inherent security of the iOTP eliminates the need for a password. When the user is identified by the iOTP, a second challenge is sent. The second challenge may be confirmed by user biometrics or via a PIN code if the user's device does not support biometrics. Benefits of the subject invention include: (1) no username, which eliminates exposure to multiple domain attacks (i.e., attacks on other sites with the same username) that attempt to extract passwords from less secure sites (e.g., where a user used the same username and password across multiple sites); and (2) password-less access—the iOTP replaces both the username and password function, thereby eliminating the need for the user to manage multiple usernames and passwords.

Abstract: A system and method using both SMS and push notifications in parallel to ensure that a notification to a mobile device arrives quickly and reliably at the correct application on the device and to ensure that the application can respond on any channel, thereby, providing the highest probability that the notification will be received by the application and that the response is sent and received by the origin server in timely manner.

Abstract: Embodiments of the invention provide systems and methods for using programmatic means to verify the identity of a person. By scanning the person's documents and/or biometric data and comparing them to available government and private databases, the validity of those documents and identity of the person can be confirmed with a high confidence level. The process can assign a score to each item verified which is then computed into an overall confidence score which is available to other processes to rely on for approval of transactions. The identity is digitally combined with the credentials of the mobile phone to create a reusable identity token. Together with the confidence score, the identity token represents the verified biometric information of the person and is tied to the mobile phone.

Abstract: A method of establishing a secure connection between an application on a device and a host server without requiring that the necessary client and server-side certificates to be neither pre-installed, physically moved and loaded or transmitted in the clear. The authentication of the mobile network is directly used to generate the keys required to effect the secure connection. PKI pairs ultimately generated for this connection are securely stored by segmentation storage in a manner that allows the secure connection to be reestablished by recovering only some of the parts as defined by the segmentation algorithm.

Abstract: Embodiments of the invention provide systems and methods for analyzing a Subscriber Identity Module (SIM) card, ascertaining storable sections, and then securely storing data in them in a way where inspection of the SIM cannot reveal the data.

Abstract: An improved One Time Password (iOTP) is used in a two-factor authentication mechanism to decode a username, and the inherent security of the iOTP eliminates the need for a password. When the user is identified by the iOTP, a second challenge is sent. The second challenge may be confirmed by user biometrics or via a PIN code if the user's device does not support biometrics. Benefits of the subject invention include: (1) no username, which eliminates exposure to multiple domain attacks (i.e., attacks on other sites with the same username) that attempt to extract passwords from less secure sites (e.g., where a user used the same username and password across multiple sites); and (2) password-less access—the iOTP replaces both the username and password function, thereby eliminating the need for the user to manage multiple usernames and passwords.

Abstract: A system and method using both SMS and push notifications in parallel to ensure that a notification to a mobile device arrives quickly and reliably at the correct application on the device and to ensure that the application can respond on any channel, thereby, providing the highest probability that the notification will be received by the application and that the response is sent and received by the origin server in timely manner.